BlastPoint's Banking Scorecard
Huron State Bank
Micro
Specialty: Consumer
MI
FDIC cert 23126
Designations: ✓ Community bank
Rogers City, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Huron State Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.6M
+8.0% YoY
-2.3% QoQ
|
-$122.9M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$60.4M
+13.6% YoY
+5.6% QoQ
|
-$78.8M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$82.2M
+7.8% YoY
-3.1% QoQ
|
-$101.5M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.06%
-28.5% YoY
+15.8% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.55%
-2.6% YoY
+2.6% QoQ
|
-0.31% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
65.77%
+15.9% YoY
-7.6% QoQ
|
-1.96% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
2.16%
+27.1% YoY
+3.5% QoQ
|
+1.52% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
73.43%
+5.3% YoY
+8.9% QoQ
|
-1.09% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
19.43%
-12.7% YoY
-1.7% QoQ
|
-2.96% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
1.38%
+33.7% YoY
+11.9% QoQ
|
+0.93% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-74.2% YoY
+36.0% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.43% · Tier avg: 74.53%
51
51th pctile
Efficiency Ratio
Current: 65.77% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.43% · Tier avg: 22.39%
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
25
25th pctile
Total Loans
Current: $60.4M · Tier avg: $139.2M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
22
22th pctile
Total Deposits
Current: $82.2M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $94.6M · Tier avg: $217.5M
13
13th pctile
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.45%
21
21th pctile
Total Assets
Current: $94.6M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $82.2M · Tier avg: $183.7M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
25
25th pctile
Total Loans
Current: $60.4M · Tier avg: $139.2M
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.43% · Tier avg: 22.39%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.77% · Tier avg: 67.73%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.43% · Tier avg: 74.53%